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IVR and Web Demonstration 401(k) Savings

Automatic Rebalancer is a service that will periodically transfer the assets in your account so that the allocation of your assets in the plan is in alignment with your current - the directions you have given The Standard describing how to invest the money you contribute to the plan. If your investment directives are consistent with your long-term investment goals, then rebalancing will ensure that your asset allocation remains consistent with your goals, regardless of what is happening in the financial markets.

Rebalancing will occur during May and November.

Here's an example of how rebalancing will work:

The rebalancing process will transfer enough money out of your high-performing investment options - in this hypothetical example, Investments 2, 3 and 4 - to your lower-performing options - Investments 1 and 5 - to return to the allocation of your plan assets you originally desired. In effect, the process automatically forces you to follow the recipe for investment success: buy low, sell high.

Two important reminders:

• You can reallocate assets in your account at any time by going to Transfer Assets and selecting Asset Reallocation.
• Your investment directives will determine how your account is rebalanced. If you decide to change your asset allocation strategy, remember to go to Change Directives to update your investment directives. Our experience suggests that many people transfer assets to reflect a new asset allocation strategy, but then forget to update their investment directives.

Want help selecting the investment options that are right for you? Retirement Planning Center provides quizzes and portfolio information that can help you select a mix of investments that is right for your circumstances.

Want more information about the investment options? Performance provides historical performance information and access to descriptions of each investment option.